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Find out how much you could borrow
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Peace of mind that it won't affect your credit rating
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Overview of stamp duty and other costs, not just mortgage repayments
Caring for 1.9 million customers
$272 million reinvested back into local communities
Australia’s most satisfied home loan customers*
Take the next step in your home buying journey
Our pre-qualification tool is more than just a calculator, giving you a personalised understanding of your borrowing position. You don't need any paperwork. Unlike pre-approval, we don't complete a credit check so your credit rating isn't affected.
Get more confidence
Not 100% sure you're ready to apply? Pre-qualifying can give you an understanding of how much you could borrow in the area you're looking to buy.
Understand the costs
We'll provide an estimate of your borrowing costs. Including stamp duty, lenders mortgage insurance (LMI), and any first home buyer incentives available in your state.
Receive personalised guidance
You'll get a personalised home lending summary delivered straight to your inbox. We'll also give you a follow up call to answer any questions and guide you through your next steps.
Am I eligible?
To pre-qualify you must be:
- 18 years old or over
- Seeking a loan for personal use and not for business or commercial purposes
- Employed and/or have a regular income source (at least one borrower for a joint loan)
- Looking to borrow less than $2.5 million
If you are looking to borrow more than $2.5 million to purchase a property, you will need to call us on 1300 738 831
What will I need?
This isn't a pre-approval, so you don't need to provide any paperwork and we won't do a credit check.
To give you a real estimate of your eligibility and any borrowing costs we will need some general details about you and the property including:
- Your name and contact details
- Your income, expenses and liabilities
- Details of the property you've found, or;
- The type of property you hope to buy.
What does pre-qualifying involve?
It's a quick-and-easy process to allow you to better understand your lending position, prior to applying for a home loan.
In only a few minutes, we'll estimate your borrowing costs, including stamp duty, lenders mortgage insurance (LMI) and any applicable first home buyer incentives for each State. You may also be eligible for government support to purchase a home.
Please note, if you are self-employed or there are more than two borrowers, please call us on 1300 236 344.
Not the right tool, right now?
Buying a home is a big step. Depending on where you are in your current home buying journey you might need a different kind of support.
I'm not quite ready...
You're just after a general idea of repayments or the amount you could borrow before you start looking at properties.
Try one (or all) of our home loan calculators instead.
I'm ready to apply!
You've crunched all the numbers, found a property, and you're ready to buy.
Speak with one of our lending specialists at a time and place that suits you.
Woah! I'm only just getting started.
There's a lot of information out there and you're wondering where to even start...
Try exploring our home loan glossary to understand key terms, or visit our first home page for steps on where to start.
Need help? We're here for you
Arrange a voice/video call with a mobile lender or use the online enquiry form to ask us a question. If you prefer to visit a branch, use our branch locator to find a branch near you.
Things you should know
* Roy Morgan Single Source Australia, March 2022
